President's Letter to the Business Community

We know that people do business with people they like and trust as professionals to get the job done. Ten years of success hasn't changed Heartland Business Credit. We find the foundations of our company, our business model and corporate culture, to be just as relevant today as they were when we created them.

When we transformed Heartland Leasing into Heartland Business Credit more than ten years ago, we could not have foreseen the unusually challenging economic times on the horizon that would lead to the demise of so many of our larger and older competitors. Financial shocks and a continuously changing business landscape have caused some companies to question their business model. The financial marketplace has become confusing as many of the senior executives who helped build our industry have retired, leaving a large experience gap at a time when such experienced leadership is critical.

We have always prided ourselves on our ability and willingness to adapt to ever-changing markets. Our competitive rates, consistent underwriting, fast turnaround and honest dealings with our customers are even more important today than they were in the past. We're still small enough that you will have access to our executive team on the important issues and transactions that impact your business. We are staffed with knowledgeable, experienced professionals who will provide fast, informed and innovative solutions to your business challenges.

You have worked hard to become a leader in your industry, and you deserve a superior financial partner who will enhance your ability to grow your business more profitably. We are the finance company that will treat your customers with the level of integrity and respect required to bring them back again. If you seek exceptional value from all of your business partners, while offering them a fair return on their investment, you should give us a call. You have my personal assurance that you'll Recognize the Difference.

Sincerely,

Larry K. White
President and Chief Executive Officer